Mortgage application 2024, college loan 2012

Hi all, going for loan offer with BOI. When I was in college in 09 i took out loan with BOI to repeat a year.

Long story short i was "loose" with repayments, prob missed few here and there but paid it off fully somewhere between 2012-2014, fully cleared.

Will BOI go back that far? and how much trouble could it cause?

As its cleared its not on my ccr

You should be ok with other lenders.

Might be better not to apply to BoI. I think an application and refusal are noted on your credit record.

Brendan